| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITEDHEALTHCARE INSURANCE COMPANY | $91K | — | $91K | 5.99% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVD STE J MOBILE, AL 366095420 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| TIMOTHY JACKSON3 | 857 DOWNTOWNER BLVDJ MOBILE, AL 36609 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 8.60% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | DELTA DENTAL INSURANCE COMPANY | $3K | — | $3K | 6.49% |
| TIMOTHY JACKSON | 2140 11TH AVENUE S., SUITE 400 BIRMINGHAM, AL 35205 | DELTA DENTAL INSURANCE COMPANY | $679 | — | $679 | 1.40% |
| TIMOTHY T. JACKSON3 Filed as: TIMOTHY T JACKSON | 857 DOWNTOWNER BLVD MOBILE, AL 36609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.46% |
| REEVES, RANDY3 Filed as: THE REEVES AGENCY INC | PO BOX 797 FAIRHOPE, AL 36533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 2.31% |
| SHERREL S COCHRAN3 | 3734 BRANCH DR SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $327 | $6 | $333 | 2.29% |
| SHIRLEY KING3 Filed as: SHIRLEY F KING | 301 CO ROAD 280 CULLMAN, AL 35057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 1.35% |
| JOSEPH ARTHUR CINK3 Filed as: JOSEPH ARTHUR CLARK | 19460 STATE HIGHWAY 181 FAIRHOPE, AL 36532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $105 | $50 | $155 | 1.07% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $28 | $151 | 1.04% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $53 | $108 | 0.74% |
| SCARLETT PARKER3 | 19 GRANDBABY LANE HATTIESBURG, MS 39402 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.18% |
| AON CONSULTING INC3 Filed as: HEWITT & ASSOCIATES INC | PO BOX 15697 HATTIESBURG, MS 39404 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.14% |
| JENNA AILENE SWEARINGEN3 | 122 JOHN EVANS RD PETAL, MS 39465 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.14% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 332 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 175 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 124 | $48K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $80K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $95K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $80K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $80K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 607 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.